We all have to start somewhere when it comes to managing your money and your finances. It is never too late to get educated and learn how to change your habits and become a savvy investor.

The following apps will help you to be clear where you are right now and establish a plan to achieve your future goals. The time is NOW! By the way, I am in no way associated with any of these apps, I personally use them and that is why I am recommending them.

CREDIT KARMA

This free app will allow you to see your credit and your credit scores. I do have to clarify that the credit scores that are showing here is based on Vantage Score and not on FICO, Beacon or Empirica. So the scores are going to be a little different than if you are applying for a home because they use a different numeric factor. However, this is a good start to know where you are at and also determine if there are any mistakes in your report that you can even handle directly...

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Don't forget to grab the 20 TIPS TO SPEND LESS AND SAVE MORE MONEY PDF? By just making a few small changes you can put yourself in a better position financially in just a few days and achieve your bigger and more important goals.